worth less than his mortgage, banks won't let him refinance to a lower rate. >> i'm being told the same thing. i cannot qualify based on the value of the property and its current location. >> reporter: so many of the people who need the relief the most, can't get it, which is one reason why even with these record low rates, applications for home loans are declining again. anthony mason, cbs news, new york. straight ahead, your friday morning weather. in sports, just 21 years old and 9 under bar, rory mcelroy leads the british open. [ female announcer ] right now when you stay two times with comfort inn or any choice hotel, you can feed a family of four. book now at choicehotels.com to start earning your $50 restaurant gift card. at the end of the day as they do at the beginning? air optix® contact lenses have superior deposit resistance for cleaner lenses. air optix®, the lens you can survive a long day in.